Amazing Ramzy was incredible! He was so helpful and explained every step of the process in detail. He was always available when any questions can up, which was quite a lot as a first time home buyer. He worked fast and efficiently. I highly recommend him as you won’t be disappointed. Thanks again Ramzy, you were great!

We recorded today!!! We just wanted to thank you from the bottom of our hearts for the help and assistance throughout this process. Thank you! Thank you! Thank you!!! May God bless you always so you could continue helping families like us getting their dream home. You are great in what you do!

I wanted to first and foremost say THANK YOU to you and your team for such an amazing experience you all provided throughout the entire process of refinancing our two homes. I have been in Finance for about 20 years, and I realize the importance of customer service, timing, and going above and beyond. Ramzy, you and your team definitely proved all to be so true, stepped up and delivered. Your responsiveness, your willingness and your professionalism, are unique. It is not often you get the opportunity to work with someone like yourself. Thank you Thank you Thank you!!!!!!!!!!!!!!!!!!!!!!!!!!!!

How would you rate the level of service you received from your Loan Officer? Excellent How would you rate the level of service you received from our processing staff? Excellent How would you rate your level of satisfaction with the overall experience working with us? Very Satisfied Would you mind providing a testimonial about your overall experience? It was quick and easy, Everything I was told is what happen. no surprises.

How would you rate the level of service you received from your Loan Officer? Excellent How would you rate the level of service you received from our processing staff? Excellent How would you rate your level of satisfaction with the overall experience working with us? Very Satisfied Would you mind providing a testimonial about your overall experience? Great people to do business with.

DELIVERED AS PROMISED It was a pleasure to work with Ramzy. On the first phone call, I was sold on his offer (rate, closing costs, and time to close). He delivered as promised and we closed the refi without any issues. I would highly recommend him.

How would you rate the level of service you received from your Loan Officer? Excellent How would you rate the level of service you received from our processing staff? Excellent How would you rate your level of satisfaction with the overall experience working with us? Very Satisfied

How would you rate the level of service you received from your Loan Officer? EXCELLENT How would you rate your level of satisfaction with the overall experience working with us? VERY SATISFIED Would you mind providing a testimonial about your overall experience? THE PROCESS WENT FAST AND SMOOTH LIKE RAMZY SAID! Was there anything we could have done to improve the overall experience for you? NOPE

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy was excellent. He answered all my questions and was always available when I needed him. He made this part of buying a home painless. Was there anything we could have done to improve the overall experience for you? Not that I can think of. Would you be willing to recommend us to family members or friends? Yes

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? yes. Was there anything we could have done to improve the overall experience for you? none. it was perfect. Would you be willing to recommend us to family members or friends? Yes

How would you rate the level of service you received from us? Excellent Would you be willing to recommend us to family members or friends? Yes We have been fortunate to meet reputable people in other businesses. Do you need a recommendation for a particular service or industry? No May we use your feedback from this survey as a client testimonial on marketing pieces? Yes

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Your people were very pleasant & professional to work with. Was there anything we could have done to improve the overall experience for you? No,you were on target with all levels. Would you be willing to recommend us to family members or friends? Yes We have been fortunate to meet reputable people in other businesses. Do you need a recommendation for a particular service or industry? No May we use your feedback from this survey as a client testimonial on marketing pieces? Yes

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy was very knowlegeable and professional. He always answered his phone and immediately arranged conference calls with the escrow company as well as a solar company. I would recommend you to my friends and family. Was there anything we could have done to improve the overall experience for you? Not that I can think of. Would you be willing to recommend us to family members or friends? Yes We have been fortunate to meet reputable people in other businesses. Do you need a recommendation for a particular service or industry? No May we use your feedback from this survey as a client testimonial on marketing pieces? Yes

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy was courteous and efficient, I highly recommend him. Was there anything we could have done to improve the overall experience for you? Would you be willing to recommend us to family members or friends? Yes We have been fortunate to meet reputable people in other businesses. Do you need a recommendation for a particular service or industry? No May we use your feedback from this survey as a client testimonial on marketing pieces? Yes

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy and his staff are on the ball! Communications were timely, appropriate and cordial, and they were responsive to any questions or anomalies that surfaced. The refi and loan closure proceeded as expected, a pleasant experience throughout.

How would you rate the level of service you received from us? Good How would you rate your level of satisfaction with the overall experience in dealing with us? Satisfied Was there anything we could have done to improve the overall experience for you? I was expecting the payoffs in credit cards,etc. sooner. Also the money did not get in my checking account until about one week after i was expecting it . Then when i called you, I didn't receive an immediate response. It would help if someone would explain in advance the expectations for when funds would be available after closing.

Would you mind providing a client testimonial about your overall experience? Ramzy is an excellent mortgage broker, Unlike the vast majority of people one deals with these days Ramzy was competent, always followed up throughout the loan application process and he was able to answer all of our questions or to find someone else who could do so. We highly recommended him without reservations. How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied

Would you mind providing a client testimonial about your overall experience? I wanted to take advantage of the current low rates and obtain a cashout for home remodeling before I went on as 40 day trip to Asia and Indonesia. I had a short time before my trip but Ramsy and Rodger at Mortgage Options Funding, and the rest off their team, closed my loan within just a few weeks. The process was easy with their online software, and their rates and fees were the lowest of all the other competitors I had looked into. I highly recommend Mortgage Option Funding for your loan and refinancing needs. Lori Boone - Rocklin .CA How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? The process was simple. Mr. Sabbara and his associates kept me well informed thourghout the process.

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Closing on my purchase was less than 3 weeks! Ramzy and his team are very responsive and making things happen.

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy was informative on providing all our options and helped us get into a refi loan. The electronic online contract forms and disclosures made the process easy. The notary came to our work to sign the final papers.

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? Ramzy was professional in the transaction went smooth from day one till the end Was there anything we could have done to improve the overall experience for you? no thanks you for every thing i am very happy

Would you mind providing a client testimonial about your overall experience? I was unaware of liens that was against my property that I was trying to refinance, all this made it complicated but Mortgage Options Funding made it less complex. The team updated me me frequently and we're so professional. I am so happy and received what I wanted, a 15 year refinance! Again I can't say enough, Ramzy your team are awesome! How would you rate the level of service you received from us? Excellent

How would you rate the level of service you received from us? Excellent How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Would you mind providing a client testimonial about your overall experience? We were offered the best deal on a refinance, it was never a hassle, everything was done thoroughly, and questions were answered. Overall a great experience! Was there anything we could have done to improve the overall experience for you? The initial contact was a little confusing, but it improved from there.

"Ramzy Sabbara awesome work on your one week CTC only 7 days. You told them you would get the loan closed before any one. I can't wait to see what you do next."

Filled out by - Dominic Nunneri 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: Ramzy and I had a misunderstanding early on in the process RE: rates. When notified of the issue, Ramzy immediately fixed it and did all he could to "keep the customer happy." He succeeded. My wife and I were happy with the service. He turned a potentially negative experience, into a positive one.

1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: My experience was very satisfactory Ramsey is the best person if you need a loan he is honest and he is very efficient what he does and I will recommend him to all of my friends and family's. Josip simac

Results for my survey - Post Close Survey - Filled out by - Christal Varela 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: Ramzy Sabbara was very honest and found me the best rate out there.when he was working on my reference a man from a mortgage company called me asked me to give him a chance to get me a better deal called me back said he couldn't.was very impressed. sincerely Christal Varela ________________________________________ 4 -: Was there anything we could have done to improve the overall experience for you? Answer: No please keep up the great work your doing sincerely Christal Varela ________________________________________ 5 -: Would you be willing to recommend us to family members or friends? Answer: Yes

Filled out by - Geza Toth 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: Very professional. Kept in constant contact. Was the easiest refinance I have ever done. I recommend Ramzy without hesitation. ________________________________________ 4 -: Was there anything we could have done to improve the overall experience for you? Answer: Not really. I was very satisfied. ________________________________________ 5 -: Would you be willing to recommend us to family members or friends? Answer: Yes

Filled out by - Esperanza Bejarano 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: I would highly recommend Options Funding, led by Ramzy Sabbara for any mortgage loan needs. I found Mr. Sabbara and his company to be very professional, efficient and accountable throughout the loan process.

2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied 3 -: Would you mind providing a client testimonial about your overall experience? Answer: I thought the information I received was honest and candid, an experience I have not known in the past with banks. I was particularly impressed with how quickly the refinance was completed.

2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied 3 -: Would you mind providing a client testimonial about your overall experience? Answer: I was very happy with working with Ramzy. He always answered the phone and answered my questions promptly. He was very professional and helpful.

2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: This was our first time buying a home and Ramzy was patient and kind with every question we had and explained everything in detail. He was great. ________________________________________ 4 -: Was there anything we could have done to improve the overall experience for you? Answer: He went above our expectations.

Filled out by - Ray Arriola 1 -: How would you rate the level of service you received from us? Answer: Good ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Satisfied

Filled out by - Jasonya Gregory 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: I am just so impressed and happy with the work Ramzy did. I had tried to refinance the prior year and although my situation was the same, I had TONS of trouble so I canceled. Then I got the nerve to try again and Ramzy and Mortgage Options Funding came to my rescue! They took care of everything from start to finish while I relaxed and waited. They were speedy and efficient and always answered my questions promptly. Thank you Ramey! You truly the BEST! ________________________________________ 4 -: Was there anything we could have done to improve the overall experience for you? Answer: No! Wonderful service all around!

Filled out by - Lori Rivera 1 -: How would you rate the level of service you received from us? Answer: Excellent ________________________________________ 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied ________________________________________ 3 -: Would you mind providing a client testimonial about your overall experience? Answer: Working with Ramzy was great! Doing our refi was really easy, communication was easy and quick. I liked that it was easy to upload and send docs. Ramzy was also flexible when I needed to postpone my loan & appraisal. We will call him should we need to refi in the future & I already refer anyone I know looking for a loan to him.

From: Patricia Franco [mailto:pattyfranco222@gmail.com] Sent: Sunday, March 26, 2017 5:57 PM To: Ramzy Sabbara Subject: It's here's I keep waiting for the other shoe to fall, and I'll get a notice that says nevermind. I'm overwhelmed with gratitude. Thank you thank to thank you. It has not been my experience to feel warm and fuzzy about a bank transaction. I'll contact you when my credit score improves. A lot. Patty

RAMZY YOUR LOAN WENT FROM SUBMISSION TO CTC IN 6 DAYS! The Varela loan was submitted March 22nd and received the CTC on March 30th! Great work Mortgage Options Funding! Nobody closes loans faster than UWM!

RAMZY YOUR LOAN WENT FROM SUBMISSION TO CTC IN 15 DAYS! The Emerzian loan was submitted March 10th and received the CTC on March 31st! Great work Mortgage Options Funding! Nobody closes loans faster than UWM!

RAMZY YOUR LOAN WENT FROM SUBMISSION TO CTC IN 13 DAYS! The Laseak loan was submitted March 15th and received the CTC on April 3rd! Great work Mortgage Options Funding! Nobody closes loans faster than UWM!

RAMZY YOUR LOAN WENT FROM SUBMISSION TO CTC IN 7 DAYS! The Rocha loan was submitted March 23rd and received the CTC on April 3rd! Great work Mortgage Options Funding! Nobody closes loans faster than UWM!

Hi Ramzy, I wrote this recommendation of your work that you can include on your profile. Thanks, Natalee https://www.linkedin.com/recs/received "I had the pleasure of working with Ramzy. He is an exceptional professional who helped me with a quick and painless home refinance right before the rates jumped. As a president of his company, he cares his clients like no other. Since my initial conversation with him, I was impressed how knowledgeable he is and knew right away he was looking out for my best interest. He did not try to push me like other mortgage professionals who only wants to sell you the products. He was a great listener and laid out all the options for me to pick and choose what was best for me. I had 100% trust and confidence in him after the first call and I wanted him and his team to take care of my refinancing needs. Closed everything within 3 weeks and I was ready to move on to my happy adventures. And there were some issues that came up after closing and he makes sure that he is available to help. He is just so flexible and friendly and I couldn't have asked for a better team to work with.So I highly recommend all home owners to give Ramzy and his team a call and see the results for yourself. Thank you, Ramzy for everything. You are amazing!" 4:13 PM Today Ramzy Sabbara sent the following message at 11:20 PM Thank you Natalee. 11:20 PM Write

RAMZY & MARI YOUR LOAN WENT FROM SUBMISSION TO CTC IN 22 DAYS! The Marchand loan was submitted January 17th and received the CTC on February 16th! Great work Mortgage Options Funding! Nobody closes loans faster than UWM! Please take a moment to share this great news on Google by clicking here.

From: Michael Bejarano [mailto:MDBEJARANO@hotmail.com] Sent: Thursday, December 29, 2016 1:06 PM To: Mari Carmen Arniz ; Ramzy Sabbara Subject: Re: YOUR LOAN / BEJARANO *** read thank you so much! we could not have done it without your help! we are forever grateful for your quick and efficient execution on the loan. i can not say thank you enough! thank you!!!

Would you mind providing a client testimonial about your overall experience? The process of refinancing was a breeze. Ramzy Sabbara is super personable and was always available for all my questions. How would you rate the level of service you received from us? Excellent Was there anything we could have done to improve the overall experience for you? It would of been nice to have meet in person, but for my refi, it wasn't really necessary.

Would you mind providing a client testimonial about your overall experience? The refinance went very smoothly and very quickly. Being self-employed - it has always been difficult to refinance. You have taken care of the refinance on my personal residence as well as my rental properties. This refinance saved me $900 a month. Thank you. How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied Was there anything we could have done to improve the overall experience for you? No - enjoyed working with you and again was amazed at how smoothly everything went.

Would you mind providing a client testimonial about your overall experience? professional courteous and we'll done thank you ramzy How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied

Would you mind providing a client testimonial about your overall experience? Ramzy worked very hard for us. He did not give up as we were a difficult client with many complicated obstacles. He made calls and found out what he had to do to make our loan happen. Exceptional commitment, service and delivery! We would highly recommend working with Ramzy! How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied

Would you mind providing a client testimonial about your overall experience? Ramsey was very friendly, helpful, thorough, responsive. He provided quick closing for my loan. I can't ask for any other loan officer than Ramsey. I can highly recommend him to my family and friends How would you rate your level of satisfaction with the overall experience in dealing with us? Very Satisfied

1 -: How would you rate the level of service you received from us? Answer: Excellent 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied

The overall experience was very professional. They went out of their way to make things easier on me. I would recommend them to anyone. Thank you 2 -: How would you rate your level of satisfaction with the overall experience in dealing with us? Answer: Very Satisfied

Ramzy was very supportive, step by step, thru the whole process. It made my refinancing a lot simpler. I recommend 100% to work with him..thanks Ramzy!

From: Irene De Castro Sadol [mailto:irene@theprocessors.net] Sent: Thursday, June 09, 2016 4:09 PM To: David Goldberg; Ramzy Sabbara; julie@cambridgeescrow.com Cc: stevemajor14@yahoo.com; jim@jimgombos.com Subject: Re: Revised Estimated Fees - Gombos Ramzy does a reeeeally good job with getting everything up front. He's amazing to work with! Im so lucky to be part of his team. :) Irene de Castro Sadol P: 626 388 6525 F: 951 339 3709 E: irene@theprocessors.net ________________________________________

From: David Goldberg [mailto:lilpooker@aol.com] Sent: Thursday, June 09, 2016 4:07 PM To: Ramzy Sabbara; julie@cambridgeescrow.com Cc: irene@theprocessors.net; stevemajor14@yahoo.com; jim@jimgombos.com Subject: Re: Revised Estimated Fees - Gombos WOW! This has been one of the smoothest condo loan processings in the history of real estate!